Bankruptcy filings in South Central Texas fell nearly 20 percent in October from the same period last year, but rose by almost 21 percent from September 2012.

Statistics compiled by the U.S. Bankruptcy Court for the Western District of Texas in San Antonio show there were 352 filings last month, down from 439 filed in October 2011. There were 291 cases filed in September 2012.

The year-over-year drop in filings was the result of fewer Chapter 13 filings. There were 185 Chapter 13 cases filed last month, a 31 percent decline from October 2011 when 269 were filed. In September 2012, there were 146 Chapter 13 filings. Chapter 13 generally is for individuals who plan to repay a portion or all of their debts.

Meanwhile, 159 personal Chapter 7 cases were filed last month, compared with 162 filed in October 2011. There were 141 individual liquidation cases in September 2012.

Five businesses filed for reorganization last month, same as in October 2011. Three businesses filed for liquidation last month, compared with two in October 2011.